IiNeobanks ziza kuguquguquka ngokupheleleyo eIndiya.
Kwaye kumnandi ukubona zonke iimbono ezintsha kunye nokugqitywa abazizisayo. Kuba eli likamva, hayi inkqubo yebhanki eqhelekileyo esinayo ngoku. Ezi Neobanks kulula ukuqalisa, zikhuselekile ngokulinganayo, kwaye nokonga imali.
Nazi ezinye zeeNeobanks eziphezulu zaseIndiya onokuzama izandla zakho kuzo. Oku akufani nolunye uluhlu lwe-Neobanks- ndidwelise kuphela ezo zokusebenza zisebenzayo, kwaye zinesiseko somsebenzisi esifanelekileyo.
Kwaye hayi, Paytm Payments Bank ayikho enye yazo.
Phambi kokuba singene kuluhlu, nantsi intshayelelo encinane malunga Neobanks.
Yintoni iNeobank?
I-Neobank yibhanki yedijithali kuphela ngaphandle kobukho bomzimba. Akukho sebe apho unokufaka khona imali, akukho maphepha, akukho matyelelo ngokwasemzimbeni.
Kodwa i-Neobank ayisiyiyo ibhanki eneneni ukuba uthatha imimiselo ye-RBI kwinqaku. Enyanisweni, naziphi na iinkonzo ezingezantsi azibangi ukuba yibhanki. Zii-apps zemali kunye neenkonzo. Abanaso isiseko sokugcina iidiphozithi zakho.
Ezi Neobanks zisebenzisa ezinye iibhanki eziqhelekileyo njengonondyebo wazo, ukuze kuthiwe. Iakhawunti yakho kwezi Neobanks ilawulwa kwaye ilawulwa ngamaziko emali i-RBI enikwe ilayisenisi njengeebhanki. Ezinje ngeHDFC, kunye ne-ICICI bank.
Imali oyifake kwi-akhawunti yakho ye-Neobank ilawulwa kwaye iqhutywe yibhanki yeqabane. Cinga ngenombolo yakho ye-akhawunti ye-Neobank njenge-proxy phakathi kwakho, i-Neobank kunye nebhanki yeqabane.
Zonke ezi Neobanks zenza yonke into lula kubathengi bazo. Akunyanzelekanga ukuba uhambe ngeetoni zamaphepha. Inkxaso ikhawuleza kuneebhanki eziqhelekileyo; app yabo yeyanamhlanje kakhulu, kwaye akuyomfuneko ukuba uhlawule iitoni zezinye iifizi.
Yiyo loo nto isizukulwana sam siyithanda.
Masiqale uluhlu lwethu lwezona Neobanks zibalaseleyo eIndiya.
1. Fi. (Fi.Imali)
I-Fi yayiyi-Neobank yokuqala endandinomdla kuyo. Phambi kokusungulwa kwayo, saba neebhanki zedijithali zemveli okanye iiprojekthi zexeshana eziye zaphuma ngokukhawuleza ngenxa yezizathu ezahlukeneyo, kubandakanywa ukuthengisa okungaphumelelanga.
Owona mzekelo ulungileyo IDFC Niyo. Babenemveliso enkulu kodwa basilela ukuyithengisa kubaphulaphuli abafanelekileyo.
Kodwa uFi wenze kanye le nto bekufanele ukuba yenziwe - jolise kwisizukulwana esitsha kwaye ubanike oko bakufunayo. I-akhawunti yokonga simahla, imivuzo ye ukugcina imali, i-UX egqwesileyo, kwaye akukho phepha lamaphepha.
Kwaye bagqithisa ngempumelelo umyalezo wabo kubaphulaphuli abafanelekileyo.
I-Fi isebenzisana ne-Federal Bank. Oku kuthetha ukuba xa uvula i-akhawunti yokonga nge-Fi, uvula i-akhawunti kunye ne-Federal Bank.
Bane-UX enkulu kwaye iFi App ibonakala icocekile. Okwangoku ifumaneka kuphela kwii-smartphones ze-Android. Ukuza kuthi ga ngoku, kukho uphuhliso olusebenzayo kwaye abasebenzisi baluthandile.
Ukuvula iakhawunti kuthe ngqo. Kuya kufuneka ubhalisele uluhlu lwabo lokulinda kwaye baya kukuthumelela ikhowudi yeFi.nite usebenzisa onokuthi wenze iakhawunti kwi-Fi app. Nangona kwiimeko ezininzi uya kufumana ukufikelela ngoko nangoko kwikhowudi yakho yeFi.nite.
I-Fi ikuvumela ukuba uvule i-akhawunti yokonga ye-balance balance apho ukuya kuthi ga kwi-5 lakhs ikhuselwe yi-RBI.
Kwi-app, unokuhlalutya ukuthengiselana kwakho kwangaphambili. Bona ngokucacileyo apho kwaye uchitha kangakanani imali yakho eninzi.
Ufumana ikhadi ledebhithi yasimahla, exhaswa yi-VISA. Ungayikhupha imali, uthengise nge-intanethi, usebenzise i-PayWave kwaye uyivale ngokucofa kanye xa ufuna.
Akukho zintlawulo zodluliselo lwe-NEFT, IMPS okanye iRTGS. Ufumana iincwadi zeetshekhi ezi-2 ngekota nganye mahala. Akukho ntlawulo ye forex ngokunjalo.
Ukuba uqhelene ne-ICICI bank's iWish feature, i-Fi inikeza into efanayo nayo. Unokwenza imithetho ye-FIT kwaye ugcine ngokuzenzekelayo isixa esisetiweyo rhoqo xa usenza intengiselwano. Kwaye ufumana umvuzo ngenxa ukugcina imali yakho.
Kukho enye into ebizwa ngokuba yi-Stash. Yicinge njenge-flexible fixed deposit. Ungafaka nayiphi na imali, nanini na kwaye ufumane inzala ye-5.1%. Pa
Ufumana ukufikelela kwinkxaso yengxoxo 24×7. Fi ifumaneka kuzo zombini Android kunye iOS amaqonga.
Gqi beleni, I-Fi inelona qela libalaseleyo emva kwayo. Iqela elime ngasemva kweFi libandakanya abasebenzi bakaGoogle, PayPal, PhonePe kunye nePaytm.
Ndilinganisela i-Fi njenge-#1 Neobank eIndiya.
2. Jupiter (Jupiter.Money)
Jupiter yeyona Neobank idumileyo ukusukela ngo-2021 eIndiya.
Konke umbulelo kwiintengiso zabo kunye nendlela yokwakha ibhanki kunye newaka leminyaka njengeprojekthi yoluntu.
UJupiter wenze iforum yokuba abantu bazibandakanye kwaye babelane ngeempawu, bachonge iimpazamo, kwaye bavavanye i-app ye-beta, beyenza ibe yintandokazi yabalandeli.
NgeJupiter, uyavuzwa ngokuchitha imali. Kuyo yonke intengiselwano yeendleko, ufumana i-1% njengomvuzo. Lo mvuzo ubizwa ngokuba “ngamatye anqabileyo” angaphelelwayo kwaye aguqulwa abe yimali nanini na ufuna.
Ngoku sisizathu esikhulu sokusebenzisa amakhadi ebhanki eJupiter kunye ne-UPI. Uqinisekiswa ngembuyekezo eyi-1% ngalo lonke ixesha usebenzisa imali, ihlawulwe ngemali.
IJupiter ikwabambisene neFederal Bank, okuthetha ukuba yonke into iFi ibonelela, uJupiter uyayenza nayo. Ukuvula iakhawunti yokonga ngeJupiter kulula kakhulu. Kufuneka ugcwalise ividiyo ye-KYC kwaye ufake i-INR 3000 okokuqala ngqa ukuze ufumane ukufikelela kuzo zonke iimpawu.
Ufumana ikhadi le-VISA debit yasimahla, epakishwe kakuhle ngokunjalo. Akukho ntlawulo yonyaka, akukho ntlawulo yesondlo, okanye iintlawulo zentengiselwano.
IJupiter inikezela ngemibono enzulu malunga nenkcitho yakho. Ikwahlula ukuthengiselana ngokweendidi ezininzi kwaye ikuvumela ukuba uhlalutye apho imali yakho iya khona. Indlela elungileyo yokubona apho uchitha ngaphezulu.
Kuba inikwe amandla yi-UPI, iJupiter inokutsalela iiakhawunti ezininzi zebhanki eziqhagamshelwe kwinombolo yakho kwaye ikubonise ixabiso lemali yakho yangoku. Kufana nantoni INDmali ayenayo.
Kukho enye idipozithi yokonga ebizwa ngokuba Iimbiza.
Unokuseta iinjongo ezithile zemali kwaye ubeke imali kwezi Pots ngokuzenzekelayo. Kwaye uya kufumana umvuzo, kwakhona, xa ugqibezele injongo yakho. Akukho ntlawulo yokurhoxiswa, nantoni na.
Xa kuthelekiswa neFi, iJupiter iya kukuhlawula umrhumo emva kokuthengiselana kwe-IMPS ye-6. Kukwakho umrhumo we-NEFT/RTGS emva kweentengiselwano ezi-5 ngonyaka.
Iqela lenkxaso likaJupiter liyakhawuleza, kwaye baneforum yoluntu esebenzayo ngokunjalo.
IJupiter ikwafumaneka kuphela kwi-Android, kwaye usetyenziso lwe-iOS luphantsi kophononongo lwe-beta.
3. FREO.Imali (Gcina mahala)
UFreo yenye iprojekthi yeNeobank ebendiyilandela ngokusondeleyo.
Isephantsi kophuhliso, kodwa kukho izinto ezithile eziphambili ezinokukubangela umdla, ezinje:
- Isi-7% senzala – Oku kodlula i-FD kunye neMali yeTyala, naleyo ikwi-akhawunti enguziro yolondolozo lwemali.
- Umgca wetyala kunye neakhawunti yakho yokonga.
- Ikhadi leFreo - a ikhadi lamatyala ngemirhumo enguziro, kunye neentsuku ezingama-30 ezingenanzala.
I-app yabo ye-flagship-i-Money Tap iphucuke kakhulu kwiinyanga zamva nje. Yiapp ekuvumela ukuba uthathe imali mboleko ngoko nangoko. Ukuza kuthi ga ngoku, bakhuphe i-INR 4,000 yecrores ngeMoney Tap.
Kwaye basebenzisa izifundo ezifundiweyo ngeMoney Tap ukwenza iFreo, iakhawunti yokonga ekhokelwa ngetyala.
UFreo uza kubanentsebenziswano neBhanki yeMali encinci yakwaEquitas.
UFreo usephantsi kwesigaba sovavanyo lwe-Alpha. Kusenokubakho iimpawu ezinomdla ezizayo. Ukuba ungathanda ukuba ngomnye wabasebenzisi bokuqala beFroo, ungabhalisela uluhlu lwabo lokulinda eFreo.Money.
Kum, ikhangeleka ithembisa kwaye ivelisa izinto ezintsha.
Uhlaziyo-iFreoSave iyaphila ngoku.
4. INDmoney Super Saver Akhawunti
Emva kweenyanga ezimbalwa ndifumana iakhawunti entsha ye-INDMoney ye-Super Saver, ndicinga ukuba ichanekile ukuyongeza kolu luhlu lweeNeobanks.
Yi-Neobank, emva kwayo yonke loo nto. Iakhawunti ye-INDmoney's Super Saver inikwa amandla yibhanki yakwaSBM.
Ngebhanki ye-SBM, amaqonga afana INDMoney kunye neVested inokuxhasa i-INR yasimahla ukuya kwiUSD udluliselo ukuququzelela amathuba otyalo-mali lwesitokhwe saseMelika kumaIndiya.
Nangona kunjalo, le akhawunti isebenza njengazo zonke ezinye iiakhawunti zebhanki. Ufumana umdla ohlawulwa rhoqo ngenyanga, ufumana ukufikelela kwi-portal yebhanki ye-intanethi kwiwebhusayithi yeebhanki ze-SBM. Ngokukhawuleza bahleka ikhadi letyala elikhuselekileyo nabo.
Awufumani fikelelo kwikhadi ledebhithi, kodwa ngandlel’ ithile ndiqinisekile ukuba ibhanki yakwaSBM, ukuba uqhagamshelana nabo ngokuthe ngqo, iya kukuthumelela ikhadi lebhanki.
Ngokuphathelele i-UPI, ungayibhalisela usebenzisa nayiphi na i-app, efana ne-WhatsApp okanye iSilayidi. Sebenzisa nje inombolo efanayo oyisebenzise ukuvula iakhawunti enkulu ye-INDMoney kwaye ubhalisele i-UPI kuyo nayiphi na i-app eyixhasayo.
5. NiyoX
Unokunika NiyoX Neobank itrayi. Yi-akhawunti yokonga yedijithali ye-Equitas Small Finance. Uya kufumana inzala ye-7% kunye ne-NiyoX kwaye unokutyala imali kuyo Iingxowa-mali ezifanayo usebenzisa i-akhawunti yabo ye-2-in-1.
I-NiyoX inekhadi le-debit elikhangeleka lipholile, kodwa lisimahla kunyaka wokuqala kuphela.
I-NiyoX ayinazo iimpawu ezininzi njengeJupiter okanye i-Fi, kodwa iyawenza umsebenzi.
Kwaye ungangena kwiakhawunti yakho ye-NiyoX ngokusebenzisa ibhanki ye-net ngokunjalo, apho abanye abathathu bangentla bangabavumeli ngokwemveli. Kuya kufuneka ubhalise kwibhanki yeqabane lakho ukuze ufikelele kwi-net yebhanki.
Mool.Enye, Fold.Money, Neo-Bank by Atlas and Finin
Khange ndibafake kolu luhlu ngesizathu esinye – andilindelanga ukuba bazokwazi ukukhuphisana noJupiter kunye noFi. Oko kukuthi ukuba baqalise imveliso yabo nanini na kungekudala.
I-Fold.Money ibiphantsi kophuhliso kule minyaka mibini idlulileyo. UFinin akanamsebenzi kwaphela. I-Neo-Bank yi-Atlas isezakubhengeza naluphi na uhlaziyo oluhle.
Ekuphela kwethemba elithembisayo yiMool.one. Nangona kunjalo, kukho ixesha elininzi lokulinda ngaphambi kokuba uMool aqalise usetyenziso lwakhe lokuqala lweNeobank.
Yiyo leyo.
Kukho ezinye ii-Neobanks ezimbalwa e-Indiya ezingazange zenze olu luhlu, njenge-RazorPayX kunye ne-Neobank yi-Atlantis, kuquka neqela leebhanki zedijithali ezikhethekileyo.
Kuba ezi bhanki azikho kakuhle njengeJupiter okanye iFi. IRazorPayX yakhelwe ngokukodwa amashishini.
I-Neobanks iseyi-buzzword entsha yamaNdiya, ngoko kuya kufuneka silinde kwaye sijonge ukuba izinto zihamba njani njengoko abakhuphisana abatsha beza kwesi sithuba kunye neengcamango ezintsha kunye neendlela ezahlukeneyo.
Kude kube ngoko, iJupiter, iFi, kunye neFreo zezona Neobanks ezintathu zigqwesileyo eIndiya.
Ndazise iingcinga zakho kwizimvo. Ukuba usebenzisa/usebenzisa iJupiter okanye iFi, yabelana ngamava akho ngezantsi.
Hayi
Ngaba sinokusebenzisa ikhadi lebhanki yebhanki yebhanki ye-cashback kwisiza se-e-commerce, sisebenzisa ikhadi elikhutshiweyo lokutsalwa.
Aayush Bhaskar
Ngokuqinisekileyo unako.
Umdiliya
Nceda ujonge iNiyo kunye nazo zonke iimveliso zayo
Aayush Bhaskar
Ngokuqinisekileyo uVineeth, ndiza kugubungela uNiyo kumanqaku azayo.
sayin
Ithini idipozithi yokuqala efunekayo ukuze uvule i-akhawunti kwi-Fi?Kwaye ngaba bayayihlawulisa nayiphi na imali yokugcina kunye nentlawulo yokukhupha ikhadi le-debit?
Aayush Bhaskar
Akukho nanye – yi-akhawunti ye-zero-balance okwesibini uyivula. Kodwa bacebisa ukuba kugcinwe okungenani ama-3,000. Kwaye akukho ntlawulo yayo nantoni na enxulumene namakhadi.
Seema
Ngaba nawuphi na ummi waseIndiya ongaphezulu kweminyaka eli-18 ubudala avule iakhawunti eFi?Kwaye ngaba kufuneka ndifake isicelo ngokwahlukeneyo sekhadi le-VISA?
Aayush Bhaskar
Ewe! Nabani na unokuvula i-akhawunti ye-Fi. Baye bajonga i-PF enzima kwizigaba zokuqala. Nangona kunjalo, oko kube yitshekhi ethambileyo ngokokwazi kwam. Kwaye uya kufumana ikhadi lakho lebhanki ngaphandle kwenkqubo eyongezelelweyo.
URicha
Ngaba iinkcukacha ze-Aadhar ziyafuneka xa uvule iAkhawunti yebhanki yeNeo?
Aayush Bhaskar
Ewe! zombini Aadhaar kunye PAN.
S Garain
Yeyiphi iBhanki yeNeo enokusetyenziswa kwiwebhusayithi? Ndiyaqonda iFi kunye neJupiter zingasetyenziswa kuphela kwiMobile App.
Aayush Bhaskar
Unokusebenzisa ibhanki ye-Federal Bank ukuba uku-Fi okanye iJupiter. Nangona kunjalo, i-neobank kuphela onokufikelela kuyo (okwangoku) nge-browser ye-desktop yi-AceNeobank (ndikholelwa ukuba zikhona kwimimandla elinganiselwe kakhulu) kunye ne-Open.Money - kuphela kwishishini.